Last updated: 15 January 2026
By accessing and using the website and services of AstralRidge d.o.o. ("AstralRidge", "we", "our", or "us"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services. These terms apply to all users of our website and clients of our mortgage lending services.
AstralRidge is a mortgage lending company registered in Croatia under company registration number 618794254. We provide professional mortgage and lending services to businesses and corporations. Our registered office is located at Ulica kneza Mislava 148, 21817 Split, Croatia.
AstralRidge provides the following services:
When using our website and services, you agree to:
All loan applications are subject to our internal credit assessment and approval processes. We reserve the right to approve or decline any application at our sole discretion. Approval is subject to satisfactory credit checks, verification of information provided, and compliance with our lending criteria and applicable regulations.
All content on this website, including but not limited to text, graphics, logos, images, software, and design elements, is the property of AstralRidge or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.
Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which forms an integral part of these Terms of Service. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
To the fullest extent permitted by law, AstralRidge shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our website or services. Our total liability for any claim related to our services shall not exceed the amount of fees paid by you to AstralRidge in the twelve months preceding the claim.
Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or completely secure. While we strive to provide accurate information, we make no representations about the accuracy, completeness, or suitability of the information on our website.
These Terms of Service are governed by and construed in accordance with the laws of the Republic of Croatia. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Croatia. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.
AstralRidge operates in compliance with Croatian financial regulations and European Union directives applicable to mortgage lending. Our services are subject to oversight by relevant Croatian financial authorities. We maintain all required licences and authorisations for our business activities.
We reserve the right to terminate or suspend your access to our website and services at any time, with or without cause, and with or without notice. You may terminate your relationship with us by ceasing to use our services and closing any accounts you may have with us, subject to any outstanding obligations. Upon termination, your right to use our services will immediately cease.
We may modify these Terms of Service from time to time to reflect changes in our services, legal requirements, or business practices. We will notify you of material changes by posting the updated terms on our website and updating the "Last updated" date. Your continued use of our services after such changes constitutes acceptance of the modified terms.
If you have any questions about these Terms of Service, please contact us:
AstralRidge d.o.o.
Ulica kneza Mislava 148, 21817 Split, Croatia
Phone: +385 21 569 3520
Email: legal@astralridge.world
Registration Number: 618794254
If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced by a valid provision that most closely reflects the intent of the original provision.
These Terms of Service, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and AstralRidge regarding the use of our website and services, and supersede all prior agreements and understandings.